MetLife | Pet Insurance Review

My 15 year old cat has had his shares of emergencies. The last emergency he had was pancreatitis. We were out a few thousand dollars. Metlife came to our rescue and reimbursed 90% of the claim. Also, they reimburse me for his medications for chronic conditions such as arthritis and inflammatory bowel disease. I've had insurance on him for many years and I would never do without it. Metlife insurance has been a good choice for me.

Our two senior large dogs are insured through MetLife, previously with Pets Best (which I’ve also reviewed favorably). Everything takes about 1.5 times as long with MetLife, but after the initial pains of transferring over documentation, I have absolutely nothing to complain about. Claims are clearly and cleanly processed, and any questions along the way can be quickly addressed with a simple phone call. After the switch, our dogs have a much more generous policy at an even lower cost.

I've had two claims since we started this up about 2 months ago. On the first one the claim was processed super quick, and paid out after the deductible was met. Seems relatively inexpensive, and the claims APP is super easy to use.

I just want to thank everyone for posting their reviews. I am researching for insurance for my 4 dogs and due to so many bad reviews I have taken MetLife off my list of choices. They came in a little cheaper but with all the problems everyone seems to have, there would be no savings.

If I could give this company 0 stars I would. This pet insurance has been horrible. I have 2 dogs and 1 cat. Suddenly my cat became very ill and rushed him to ER only to find out it was from a toxin. My cat began to have kidney failure and I tried to save him, and it costed me $1800, and I had to pull him down he was only 3 years old. I submitted my claim March 2024. The claim was denied once and I turned it back in because they tried to state he has preexisting so my vet attached a letter proofing this was an emergency appt., No preexisting conditions. I just called to check on my 2nd appeal and the MetLife rep. just told me they denied it again stating they want to know how the accident occurred when and where. This company is full of crap. Run don't walk. I have $1800 on my care credit which racks up fees very fast. I'm in the hole financially and I thought my claim would be resolved by now. They don't want to pay. Scammers! I would love to get another pet insurance; they are affordable for a reason because they will not pay out large claims!